56 articles
Browse 56 independent guides about health insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
Almost every Medicare Advantage plan includes dental benefits, but most cover cleanings far better than crowns, dentures or root canals. How annual maximums, coinsurance and networks work, what is usually excluded, and how to compare dental benefits during open enrollment.
Medicare open enrollment runs from October 15 to December 7, 2026, and new coverage starts January 1, 2027. What you can change, what you can't, the January to March second chance, and how to compare plans before the deadline.
Original Medicare lets you see any doctor that takes Medicare but has no out-of-pocket cap without Medigap. Medicare Advantage costs less up front but uses networks and prior authorization. How they compare on cost, coverage and flexibility, the downsides of each, and how to choose for 2027.
Employer-sponsored health insurance covers 154 million people. Here is how premiums are split, the tax breaks, the ACA rules employers must follow, the 2027 affordability test, and what happens when you leave a job.
EPOs and PPOs both let you see specialists without a referral, but only a PPO pays anything out of network. Here is how EPO, PPO, POS and HMO plans compare on networks, referrals and cost, and how to choose at open enrollment.
On most health insurance cards, the policy number is the member ID. Here is where to find your policy number on health, dental, Medicare, car, home and life insurance, how it differs from the group number, and what to do if you have lost your card.
Who qualifies for Medicaid, the 2026 income limits by household size, the new work requirements starting January 1, 2027, and a step-by-step guide to applying and staying covered.
Medicare Part D covers the prescription drugs you take at home. Here is what it covers and excludes, the 2027 deductible and $2,400 cap, why stand-alone plans are shrinking, the newly negotiated drug prices, and how to choose a plan by December 7.
Plan G covers almost everything after the Part B deductible; Plan N trades small copays and excess-charge risk for a lower premium. Here is what Medigap is, the 2027 numbers, and a worked break-even comparison.
You can apply for Medicare three months before the month you turn 65. Here is how the seven-month Initial Enrollment Period works, who is signed up automatically, when working past 65 lets you wait, and what a late start costs.
Medicare's Extra Help program sets 2027 copays at up to $5.80 for generics and $14.40 for brand-name drugs, with a $0 deductible. Who qualifies, the 2026 income limits and how to apply before open enrollment ends.
Medicare Savings Programs can pay your $202.90 Part B premium and more. The 2026 QMB, SLMB and QI income and asset limits, which states allow more, and how to apply before 2027.
